The pros and cons of investing your retirement assets 100% in equity, including half in international stocks. Why the 4% spending rule is too aggressive.<ul><li>Why historical asset class return studies that use only U.S. data are biased</li><li>How researchers build a broader database to study retirement outcomes and spending rates</li><li>How a 100% stock portfolio performed compared to balanced portfolios and target date funds</li><li>Why investors should have half their assets in international stocks</li><li>Why a 4% spending rule is too high, and what is the alternative</li></ul>Sponsor<a href="https://netsuite.com/david" rel="noopener noreferrer" target="_blank">NetSuite – Get your free KPI checklist</a>Insiders Guide Email NewsletterGet our&nbsp;<a href="https://moneyfortherestofus.com/insiders-guide/" rel="noopener noreferrer" target="_blank">free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</a>Our Premium Products<a href="https://assetcamp.com/" rel="noopener noreferrer" target="_blank">Asset Camp</a><a href="https://moneyfortherestofus.com/hub/" rel="noopener noreferrer" target="_blank">Money for the Rest of Us Plus</a>Show Notes<a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406" rel="noopener noreferrer" target="_blank">Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice by Aizhan Anarkulova, Scott Cederburg, and Michael S. O'Doherty—SSRN</a><a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4227132" rel="noopener noreferrer" target="_blank">The Safe Withdrawal Rate: Evidence from a Broad Sample of Developed Markets by Aizhan Anarkulova, Scott Cederburg, Michael S. O'Doherty, and Richard W. Sias—SSRN</a>Related Episodes<a href="https://moneyfortherestofus.com/421-beware-of-survivorship-bias-when-investing/" rel="noopener noreferrer" target="_blank">421: Beware of Survivorship Bias When Investing</a><a href="https://moneyfortherestofus.com/326-retirement-investing/" rel="noopener noreferrer" target="_blank">326: The New Math of Retirement Spending and Investing</a><a href="https://moneyfortherestofus.com/254-100-stocks/" rel="noopener noreferrer" target="_blank">254: Should You Be 100% Invested In Stocks?</a><a href="https://moneyfortherestofus.com/250-avoid-ruin/" rel="noopener noreferrer" target="_blank">250: Investing Rule One: Avoid Ruin</a>See Privacy Policy at <a href="https://art19.com/privacy" rel="noopener noreferrer" target="_blank">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="noopener noreferrer" target="_blank">https://art19.com/privacy#do-not-sell-my-info</a>.

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Should You Be Invested 100% Stocks Before and During Retirement? A Recent Study Says Yes

Money For the Rest of Us